If you’re shopping for cheaper insurance online, do you get frustrated by the crazy number of auto insurance companies that you can choose from? People have so many choices that it is a real hassle to find lower rates on Scion tC insurance. Houston is an awesome place to live, but inflated auto insurance prices can make it impossible to afford proper coverage amounts.
It’s shocking but a large majority of drivers kept their coverage with the same auto insurance company for a minimum of four years, and 38% of customers have never compared rate quotes at all. American drivers can save hundreds of dollars each year, but they won’t spend time to find cheap insurance by shopping around.
Many insurance companies like Progressive, Allstate and GEICO make it easy to get insurance quotes online. Getting online quotes for Scion tC insurance in Houston is quite easy as you simply type in your coverage preferences into the quote form. Once you submit the form, the quote system automatically orders your driving record and credit report and quotes a price.
This makes it a lot easier to compare rates and it’s absolutely necessary to do this in order to find the cheapest insurance rates.
If you want to find out if lower rates are available, take a look at the companies shown below. If you have a policy now, it’s recommended that you enter deductibles and limits as shown on your current policy. Using the same limits helps guarantee you are getting rate comparison quotes based on similar coverages.
The companies shown below offer price comparisons in Texas. If more than one company is shown, we recommend you click on several of them in order to find the lowest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TC 2-Dr Hatchback | $266 | $668 | $642 | $38 | $192 | $1,806 | $151 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in zip code location which can alter price quotes greatly.
How accidents and violations affect rates
The information below demonstrates how citations and at-fault fender-benders impact Scion tC insurance rates for different age groups of insureds. The premiums assume a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
Analysis of deductible levels
The illustration below shows how choosing a deductible and can raise or lower Scion tC premium costs for different insured age categories. The premiums are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
Comparison of full coverage and liability-only policies
The example below examines Scion tC annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. Data assumes no claims or driving citations, $250 deductibles, married male driver, and no discounts are applied to the premium.
When to stop buying comprehensive and collision coverage
There is no written rule to exclude physical damage coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s assume your Scion tC replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after paying your deductible. If it’s costing you more than $800 annually to have full coverage, then you might want to think about dropping full coverage.
There are some circumstances where removing full coverage is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
When should I discuss my situation with an agent?
When buying the right insurance coverage, there really isn’t a one-size-fits-all type of policy. Your financial needs are unique.
For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.
- Do I really need UM/UIM coverage?
- When should I not file a claim?
- Do all my vehicles need collision coverage?
- Does liability extend to a camper or trailer?
- Am I covered when driving on a suspended license?
- Is a driver training discount available?
- Do I need higher collision deductibles?
- Why am I required to buy high-risk coverage?
- Is my nanny covered when driving my vehicle?
- Where can I find DUI or SR-22 insurance?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.
Can’t I get rate quotes from local Houston auto insurance agents?
A lot of people just want to visit with an insurance agent and we recommend doing that The biggest benefit of price shopping on the web is that drivers can save money and get cheaper premium rates and still have an agent to talk to. Buying from and supporting local agents is important especially in Houston.
For easy comparison, once you complete this form (opens in new window), your coverage information is submitted to local insurance agents in Houston that can give you free Houston auto insurance quotes for your coverage. There is no reason to drive around since price quotes are sent directly to your email. You can get cheaper insurance rates without requiring a lot of work. In the event you want to get a price quote from a specific insurance provider, don’t hesitate to visit that company’s website and complete a quote there.
When researching a local insurance agency, you need to know there are two types of insurance agents and how they work. Houston agents are considered either exclusive or independent agents depending on their company appointments.
Independent Agents (or Brokers)
Agents that elect to be independent can sell policies from many different companies so as a result can place your coverage with a variety of different insurance companies and find the cheapest rate. If they quote lower rates, they simply move the coverage in-house and you don’t have to do anything.
If you need lower rates, it’s a good idea to include several independent agencies to get the best comparison. They also have the ability to place coverage with different regional companies which can save you money.
Below are Houston independent agencies who can help you get rate quotes.
- Ken W Taylor Insurance Agency
9405 Huffmeister Rd #110 – Houston, TX 77095 – (281) 345-2580 – View Map - Hispanos Insurance Agency
8624 Long Point Rd – Houston, TX 77055 – (713) 827-1277 – View Map - Texas Prime Insurance Agency, LLC
6750 West Loop S #430 – Bellaire, TX 77401 – (713) 750-9000 – View Map
Exclusive Insurance Agencies
These agents normally can only provide a single company’s rates and some examples include State Farm, Allstate and AAA. They usually cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive insurance agents are trained well on their company’s products which can be an advantage. Consumers often choose to use an exclusive agent primarily because of high brand loyalty instead of buying on price only.
The following is a list of exclusive insurance agencies in Houston that are able to give comparison quotes.
- Allstate Insurance: Harris County Insurance Agency
13030 Woodforest Blvd b – Houston, TX 77015 – (713) 451-5716 – View Map - State Farm: Ken Quach
6489 Wilcrest Dr – Houston, TX 77072 – (281) 498-1010 – View Map - Diego Martinez – State Farm Insurance Agent
2575 S Dairy Ashford Rd m – Houston, TX 77077 – (281) 496-5330 – View Map
Picking an insurance agency shouldn’t rely on just the bottom line cost. Some important questions to ask are:
- Will high miles depreciate repair valuations?
- Is insurance their full-time profession?
- Will you work with the agent or an assistant?
- Are they giving you every discount you deserve?
- Is there a 24/7 contact number?
- If they are an independent agency in Houston, which companies do they recommend?
- Are there any extra charges for paying monthly?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.